破解贫困农民保费支付之困:收入约束与保险需求  

The Resolution of the Difficulty in Paying Premiums concerning Rural Poor:Income Constraints and Insurance Demand

作　　者：李晓洁[1] 魏巧琴[1] 

机构地区：[1]上海财经大学金融学院,上海200433

出　　处：《财经研究》2012年第12期4-14,25,共12页Journal of Finance and Economics

摘　　要：文章引入保费支付方式,对小额保险需求的决定因素展开理论分析,证明了收入约束下支付方式选择将影响农村居民保险需求规模。在对全国21个省份小额保险需求的面板数据进行分析的基础上,文章验证了可支配收入、疾病风险和意外风险、居民受教育程度及社会基本保障制度(新农合)对小额保险需求具有显著作用,并通过对团销模式/零售模式的实证分析,证明了在多种保费支付方式的团销模式下农村居民可以打破可支配收入的限制、根据自身面临的疾病风险和意外伤害风险决定保险需求。By introducing premium payment methods, this paper theo retically examines the determinants of microinsurance demand,and confirms the effect of the choice of payment methods on the insurance demand scale ofrural residents under income constraints. Based on the analysis ot the panel data of microinsurance demand in 21 provinces, it verifies the significant effects of disposable income, health and accident risks, education and the bas ic social insurance system on the microinsurance demand. Through the em pirical study of groupselling and retail modes,it shows that rural residents can break the limitations of disposable income and decide the insurance de mand according to their own health and accident risks under the groupsell ing mode with a variety of different premium payment methods.

关 键 词：农村居民 保费支付方式 农村小额人身保险 保险需求 

分 类 号：F842[经济管理—保险]